Security Bank USA

Security Bank USA is headquartered in Bemidji and is the 151^st largest bank in the state of Minnesota. It is also the 4,673^rd largest bank in the nation. It was established in 1910 and as of March of 2012, it had grown to 32 employees at 2 locations. Security Bank USA's savings rates are 73% higher than the national average, and it has a 3-star health rating.

Security Bank USA Routing Number: 091201258

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Data for Q1 2012

Institution Statistics Security Bank USA FDIC Certificate # 1604 BankRate Report View Year Established 1910 Employees 32 Primary Regulator FDIC Assets and Liabilities Assets $111.73 million Loans $81.80 million Deposits $97.65 million Equity Capital $10.42 million Loan Loss Allowance $1.12 million Unbacked Noncurrent Loans $1.01 million Real Estate Owned $1.94 million Historic Data - March 2011 Assets $113.63 million Equity Capital $9.69 million Loan Loss Allowance $1.14 million Unbacked Noncurrent Loans $1.60 million Real Estate Owned $1.64 million Profit Margin - Quarterly Net Interest Margin 4.27% Return on Assets 1.74% Return on Equity 18.44% Interest Income $1.24 million

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Security Bank USA had $2.95 million in non-current loans and owned real-estate with $11.54 million in equity and loan loss allowances on hand to cover it. This gives Security Bank USA a Texas Ratio of 25.60% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Security Bank USA held steady from 29.91% as of March 31, 2011 to 25.60% as of March 31, 2012, resulting in a positive change of 14.42%.This indicates that the balance sheet and financial strength for Security Bank USA has held steady in recent periods. Deposit Growth In the past year, Security Bank USA has decreased its total deposits by -$1.09 million, resulting in -1.1% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Security Bank USA has shown is below average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Security Bank USA has $111.73 million in assets with $11.54 million in equity, resulting in a capitalization level of 10.33%, which is above average.

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